Quick guides
Mortgagee sales
What happens if I fall behind in my loan repayments? What should I do if my banking service provider issues a letter of demand? View this quick guide for answers to these questions and guidance with other common mortgagee sale issues.
Joint accounts and relationship breakdowns
Typically, joint accounts are shared between couples, close relatives or business partners. They can be a very convenient way to manage shared funds. But, when a relationship between joint account holders breaks down, problems can arise.
Irresponsible lending
To lend without sufficient regard to the customer's ability to repay is known as "irresponsible lending". This quick guide summarises our approach to irresponsible lending complaints and contains related case studies.
Cheque clearance
Some bank customers don't realise that when they deposit a cheque, it can take up to three working days to clear, and even longer for overseas cheques.
Breaking a term deposit
Can I break my term deposit? What will happen if I break my term deposit? What should I do before I invest my money in a term deposit? View this quick guide for answers to these questions.
Financial abuse of the elderly
With advancing years, we can become more and more dependent on others to help us manage our personal and financial affairs. Sadly, this increasing vulnerability can put us at greater risk of financial abuse. Find out how to protect yourself from financial abuse.
Direct debits
View this quick guide for information on: how direct debits differ from automatic payments, what happens when there are insufficient funds in your account to pay a direct debit, cancelling a direct debit, and what happens if your bank doesn't cancel a direct debit.
Early repayment costs on fixed rate loans
Why do lenders charge early repayment costs? Can my lender tell me how much the early repayment cost will be when I take out the loan? View this quick guide for answers to these questions and more.
Hardship and financial difficulty
Banks and other lenders can help their customers work through periods of hardship and financial difficulty. View this quick guide to find out how.
Looking after your credit and debit cards and PINs
Our first quick guide provides information on: how to protect your credit and debit cards and PINs, how to select a secure PIN, and what to do if you lose a card.